In SHVA, "הרשאת מנפיק" (issuer permission) means that the cardholder's credit card issuer has not authorized the transaction due to limitations on the specific credit card.
In the case of receiving this error from SHVA, you need to contact your customer and instruct them to contact their card issuing bank to resolve the issue, or to use an alternative payment method.
For example, error 342 "אין הרשאה למטבע - הרשאת מנפיק" indicates that there is a problem with the cardholder's credit card ability to process a specific currency.